Norway Health Insurance for Expats

International Health Insurance for Expats in Norway

For expats, international health insurance ensures quicker access to private care and specialized treatments, filling gaps in the public system. Norway’s public healthcare system is universally accessible and highly regarded, but non-urgent care can involve long waiting periods.

Private health insurance in Norway provides benefits like private hospital stays, dental treatments, and mental health support. Expats also gain access to faster consultations with specialists and reduced wait times for diagnostic tests abroad or during travel.

Securing an international health insurance policy is a practical choice for expats in Norway who want access to prompt, high-quality care and the peace of mind of global protection. Explore tailored options to find the perfect fit for your needs.

Recommended International Health Insurance Plans for Expatriates Living in Norway

Allianz Care Health Insurance

• World-leading Health Insurance Provider for Expats
• Extensive Network With Over 1.9 Million Medical Providers
• Quick and Efficient Claims Process
• Maximum Plan benefit up to USD $5,000,000

Plan Details Get a Quote

Cigna Global Insurance Plan

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted network of hospitals and doctors
• Numerous Deductible Options
• 24/7 Customer Support
• 4 Core Insurance Plans

Plan Details Get a Quote

The Healthcare System in Norway

The Norwegian healthcare system continues to rank highly on a global scale. Similar to other Nordic countries, its municipal structure means that the types of treatments and doctors that are available may vary based on the municipality you’re in.

All Norwegian citizens and residents are entitled to healthcare, including students who will be residing in Norway for over a year. The country’s quality of public healthcare is high. 

Healthcare in Norway isn't entirely free. Residents pay a capped annual fee, after which they receive an exemption card for free public healthcare. Pregnant women and children under 16 are exempt from charges and receive free care. This system ensures affordable access to essential health services.

Public Healthcare for Expats in Norway

Expats registered with Norway's National Population Register (Folkeregister) are assigned a GP or can choose one themselves, changing doctors twice yearly if needed. GP referrals are required to see specialists, ensuring streamlined access to further care within the public healthcare system.

However, they may have to wait a few weeks for their doctor’s consultation unless they have an emergency, and maybe even months to see a specialist. Some people opt for private healthcare to see specific specialists or avoid long waiting times.

Norway’s Public Hospitals

Public hospitals in Norway are funded and managed by the state, ensuring access to all residents through the  Norwegian National Insurance Scheme (NIS). 

These hospitals provide many services, from emergency care to advanced treatments. Facilities are modern, and staff are highly trained, but long wait times for non-urgent care are common.

List of Norway’s Public Hospitals:

1. Oslo University Hospital (Rikshospitalet): Known for specialized treatments and research in oncology and transplant surgeries.
2. Haukeland University Hospital, Bergen: A major hospital offering comprehensive care, including pediatrics and neurology.
3. St. Olav’s Hospital, Trondheim: Focuses on emergency care, cardiology, and mental health services.
4. University Hospital of North Norway, Tromsø: Serves northern communities with services including cardiology, oncology, and maternity care.
5. Akershus University Hospital, Lørenskog: Specializes in emergency medicine and rehabilitation, serving as a regional hub for critical care.

Private Healthcare in Norway

Norway has several private healthcare facilities, with many catering to medical tourism. The high-quality medical facilities and specialists found in Norway are competitively priced by US and UK standards. 

Many Norwegians choose private health insurance alongside the NIS scheme to bypass long wait times and access second opinions or emergency care. Private insurance also removes the need for GP referrals to specialists, offering greater convenience and faster treatment, especially for non-urgent conditions.

If GPs are not affiliated with public hospitals, then they’re usually private. They are in increasing demand since they don’t have long waiting lists like public GPs do. Additionally, most dentists are found in private facilities since dentistry is not covered by the NIS for the most part. 

Norway’s Private Hospitals

Private hospitals and clinics in Norway offer faster access to treatments, advanced diagnostics, and surgeries, catering to those seeking specialized care not readily available through public channels. These are popular among expats, with many services covered by international health insurance.

List of Norway’s Private Hospitals:

1. Aleris Helse: Offers a broad range of surgeries, diagnostics, and quick access to specialists in major cities.
2. Volvat Medical Centre: Focuses on preventive care, diagnostics, and personalized treatment plans.
3. Oslofjordklinikken: Specializes in cosmetic and orthopedic surgeries, with state-of-the-art recovery facilities.
4. NEMUS: A chain of clinics providing physiotherapy, chiropractic services, and rehabilitation.
5. Privatsykehuset Haugesund: Known for general surgery, orthopedics, and private maternity care, offering tailored services for patients seeking comfort and efficiency.

Health Insurance Options in Norway for Expats

Expats in Norway can access healthcare through the country’s public health insurance system, the Norwegian National Insurance Scheme (NIS), or choose private health insurance for supplementary coverage. Below, we explore both public and private insurance options for expats.

Public Insurance in Norway

The NIS offers universal healthcare to residents, including expats registered with the Norwegian National Population Register. Funded by taxes, it covers GP visits, specialist care (with referral), maternity, and hospitalization. Expats qualify if employed or paying social security contributions.

While public healthcare offers high-quality services, it comes with co-payments capped annually. After reaching the annual limit, patients receive an exemption card granting free public healthcare for the rest of the year. However, long wait times for specialists or elective procedures can be a drawback.

Private Insurance in Norway

Private health insurance offers faster specialist access, shorter wait times, and services not covered by NIS, like private hospital care and mental health support. Many expats and locals use private plans to supplement public coverage for added flexibility and convenience.

International providers like Cigna and Allianz offer expat-focused plans that cover treatment in Norway and abroad. These plans often include comprehensive benefits, such as dental care, and emergency evacuation, making them a valuable option for expats seeking tailored healthcare solutions.

Best Private Insurance Providers for Expats in Norway

For expats, the most popular international insurance providers in Norway include Allianz and Cigna Global. Here are some of the best options available:

Cigna

Cigna is a well-known global health insurer that offers comprehensive international health insurance plans for expats in Norway. Their plans cover hospital and outpatient care, emergency evacuation, mental health support, and dental care. 

They also offer wellness programs, preventive care, and access to a global network of healthcare providers.

• Hospitalization
• Inpatient and daypatient treatments
• Cancer treatments
• Physiotherapy
• Accidental death or total permanent disability compensation

Plan Details Get a Quote

Allianz

Allianz provides robust expat health insurance plans that cover everything from routine check-ups to emergency medical services. Their plans also offer access to private hospitals, specialists, and mental health services. 

Allianz is renowned for its international coverage, making it a great option for those who frequently travel or live in multiple countries.

• Inpatient costs
• Diagnostics and laboratory tests
• Surgeries
• Ambulances transport
• Cancer treatment

Plan Details Get a Quote

VUMI Global Health

VUMI (Visionary Underwriting Management International) offers a range of flexible health insurance plans for expats in Norway, including comprehensive coverage for inpatient and outpatient care, specialist consultations, and emergency evacuation. 

VUMI's plans cater specifically to expats and offer extensive international coverage, ensuring peace of mind wherever you go.

• Over 35 Years of Experience
• Flexible Plans
• Maximum Annual Benefit Limit up to USD $4,500,000
• Exclusive Proprietary Medical Network

Plan Details Get a Quote

IMG (International Medical Group)

IMG provides global health insurance solutions tailored to expats, offering comprehensive inpatient and outpatient care, wellness benefits, and medical evacuation services. 

With a large network of healthcare providers worldwide, IMG’s plans are designed to ensure you have access to the best care available, both in Norway and abroad.

• Inpatient treatment
• Surgery
• Labs and diagnostics
• Physical therapy
• Cancer treatment

Plan Details Get a Quote

Facts to Consider when Picking Insurance in Norway

When choosing health insurance in Norway, expats should consider several factors: public vs. private coverage, emergency evacuation options, international coverage, specialist access, maternity and dental benefits, expat-specific services, and cost flexibility. 

While public insurance covers most healthcare costs for residents, private insurance is also available for those who seek faster access to care, additional benefits, or coverage during travel. Here are some factors to consider when selecting a health insurance plan:

Public vs. Private Insurance

While all Norwegian residents are automatically covered by the public National Insurance Scheme (NIS), many expats choose to purchase private insurance to bypass long waiting times and gain access to higher-quality healthcare. 

On the other hand, public insurance provides coverage for essential services, but private insurance gives faster access to specialists and elective procedures.

Emergency Medical Evacuation

Consider whether the plan offers emergency evacuation coverage, especially for those living in rural areas or near the border. If you require medical care that isn’t available locally, being able to be evacuated to a nearby country with advanced medical facilities could be vital. 

Look for policies that cover evacuation costs, as this can be expensive.

International Coverage

Since expats in Norway often travel for work or leisure, choosing a plan with global coverage is essential. Insurance providers like Allianz and Cigna offer international health plans that provide peace of mind for those who travel or live in multiple countries.

Specialist Access and Referrals

In the public system, you’ll need a referral from your GP to see a specialist. Private health insurance can bypass this requirement, allowing you to directly consult with a specialist without the wait or need for referrals. This is an important consideration if you need quick or specialized care.

Maternity and Dental Coverage

Many private health plans offer maternity coverage, which could be beneficial for families or those planning to start a family in Norway. Additionally, dental care can be expensive without coverage, especially if you need orthodontics or complex dental procedures.

Expat-Specific Benefits

Some insurance providers offer services tailored to expats, such as access to English-speaking medical professionals or international hospitals. Ensure that the insurer offers convenient options for your language and communication preferences, especially if you’re not fluent in Norwegian.

Cost and Flexibility

Private health insurance plans vary significantly in terms of cost, so it’s important to compare the coverage options and find a plan that offers good value for your needs. Consider factors like deductibles and co-pays.

Health and Safety Tips for Travelers in Norway

Here are some key tips to help you stay safe and healthy during your travels in Norway:

Emergency Services

In case of an emergency, dial 113 for ambulance services or 116 117 for non-life-threatening emergencies. Emergency care is covered by the National Insurance Scheme (NIS) for residents. If you need treatment in Norway, be sure to have insurance coverage, especially for non-residents.

Healthcare for EU/EEA Travelers

If you’re from an EU/EEA country or Switzerland, your European Health Insurance Card (EHIC) entitles you to basic healthcare services. Treatment costs are similar to what Norwegian residents pay, so check with your travel insurance for any additional coverage, especially for specialized care.

Pharmacies and Medication

Norway has an extensive network of pharmacies, open throughout the country. Pharmacies offer a range of over-the-counter medications and prescription drugs. If you're taking regular prescriptions, make sure to bring them with you, as access may be limited in remote areas.

Travel Health Insurance

Non-EU visitors should secure private health insurance to cover healthcare costs in Norway. The public system offers basic emergency care, but private health insurance will ensure you have access to a wider range of services, including specialists, dental care, and medical evacuations if needed.

Weather and Outdoor Safety

Norway’s weather can be unpredictable, even in summer. Pack for all conditions, including warm layers, waterproof clothing, and sturdy hiking shoes if you plan to explore outdoor areas. Always check the weather forecast before going on long hikes or venturing into remote regions.

Emergency Medical Care

For any medical emergencies, the Norwegian system provides high-quality care. Non-residents may be responsible for more substantial costs. It’s vital to inform your insurance provider about any treatment you receive. If needed, emergency transport can be arranged with medical evacuation coverage.

Frequently Asked Questions

Do I need health insurance as an expat in Norway?

While Norway has a strong public healthcare system, expats should secure private health insurance to ensure comprehensive coverage, especially for non-residents. Private insurance ensures access to better medical services, shorter wait times, and emergency evacuations if needed.

What does Norway’s public health insurance cover?

Norway's public health insurance covers most medical services, including doctor visits, hospital stays, and emergency care. Expats may still need private insurance to access certain specialized services or avoid long wait times, especially if they are not residents or from an EU/EEA country.

Can I use my European Health Insurance Card (EHIC) in Norway?

If you're from an EU/EEA country or Switzerland, your EHIC grants you access to emergency healthcare services in Norway. However, it doesn’t cover everything, so having additional travel health insurance to cover more comprehensive treatments is recommended for complete peace of mind.

Compare Plans and Quotes Now

It’s recommended expats secure comprehensive travel insurance for Norway that will cover any medical costs that may occur abroad. 

Pacific Prime offers a wide range of healthcare plans and travel insurance policies, as well as benefit package options including inpatient, outpatient, dental, vision, maternity, and specialist consultations. Contact our team of expert advisors today to receive a free quote and experience the peace of mind that our medical insurance plans can offer.